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Get smart AgriBusiness Banking solutions
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Get an agri loan tailored to your agribusiness needs.

How can we help you grow your agribusiness?

  • AgriBusiness Mortgage Loan

    Simple, hassle-free agri loan to help you buy or improve fixed agricultural property.

    Features

    • Negotiable repayment terms between 10-15 years
    • Flexible repayment term with an option to negotiate postponed or reduced instalments.

    Benefits

    • Tailor your instalments according to your cashflow
    • Structured credit facilities.

  • FlexiReserve facility on an AgriBusiness Mortgage Loan

    Deposit extra money into your mortgage loan account and withdraw whenever you need to.

    Benefits

    • Tax-free savings at the prevailing bond rate
    • Access to repaid capital 24 hours a day
    • The ability to finance assets at the prevailing bond rate.

  • Commercial Asset Finance

    Easy, fast loans to finance the purchase of new or used assets to help run your farming business efficiently.

    Features

    • Repayment options include instalment sale, rental and lease
    • Choose between monthly, quarterly, half-yearly and annual repayment terms
    • Rentals and lease agreements enable you to deduct instalments from tax for wear-and-tear allowances.
       

    Benefits

    • Negotiable and competitive finance rates
    • Advice on structured and tax-efficient cashflow.

  • Instalment Sale Agreement

    Features

    • Pay for your asset from 6 months to 120 months, subject to credit approval, or you can have a residual value payable at the end of the contract
    • Ownership passes to you once the agreement has been fully repaid
    • The asset is registered in your name, but the bank is the title holder until it is paid up
    • You can negotiate to buy the moveable asset over a certain period.

    Benefits

    • Convenient repayment options to align with business cashflow
    • Competitive interest rates.

  • Financial Lease

    Features

    • You lease a moveable asset from us
    • Maintenance or insurance costs are not included
    • Full repayment amount is required at the end of the term
    • You can choose to take ownership of the asset, return it to the bank or, if your contract included a balloon payment, you can enter into a new lease agreement.

    Benefits

    • Uninterrupted use of the asset rather than ownership
    • Convenient, regular rental payments in advance - normally equal to the serviceable lifetime of the asset
    • Competitive interest rates.

  • Operating Lease

    Features

    • Get uninterrupted use of the asset rather than ownership
    • The bank owns the asset and you do not have the option to take ownership at the end of the term
    • Make regular rental payments in advance equal to the serviceable lifetime of the asset
    • A residual value is payable at the end of the contract, subject to conditions of the individual contract.

    Benefits

    • Off-balance sheet funding
    • Competitive interest rates
    • Flexible repayment terms.

  • Credit lines

    Do you have a strong asset base? This loan is for you if you regularly replace your assets.

    Features

    Consider the following guidelines when getting a credit line:

    • Your financial position and proven cash flow
    • Capital budget and replacement programme.

    Benefits

    • Approved up-front funding in line with CapEx requirements
    • Flexible funding.

  • Sale and Leaseback Agreement

    Sell the asset to us, then buy it back using an operating lease or instalment sale agreement.

    Features

    • You have a maximum of three months to finance your asset
    • The intention must be to finance the asset from the start
    • Not suitable for fund raising.

  • Marine finance

    Get easy, hassle-free finance to buy commercial boats in South Africa. Please note only vessels registered with the National Vessel Register can be bonded with our Marine Board.

  • Aircraft finance

    Get a hassle-free loan to help you buy your aircraft.

    Features

    • We offer asset-based credit facilities to juristic and non-juristic entities
    • Only a special aviation term loan agreement supported by an aviation bond will be considered
    • Repayment terms from 6 to 60 months.

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Need more help?

Contact us on:

Email us at: agribusiness@absa.co.za